CN111583550A - Medium-free deposit transaction method and device, computer equipment and readable storage medium - Google Patents
Medium-free deposit transaction method and device, computer equipment and readable storage medium Download PDFInfo
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- G—PHYSICS
- G07—CHECKING-DEVICES
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- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/202—Depositing operations within ATMs
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G07F19/20—Automatic teller machines [ATMs]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
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- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
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Abstract
The embodiment of the invention provides a medium-free deposit transaction method, a medium-free deposit transaction device, computer equipment and a readable storage medium, wherein the method comprises the following steps: receiving a medium-free deposit transaction request sent by a cash terminal, wherein the cash terminal belongs to or does not belong to a transaction mechanism to which a transaction account number belongs in transaction related information; and auditing the transaction related information, sending an instruction whether to allow deposit transaction to a cash terminal according to an auditing result, and uploading transaction data including the auditing result to a block chain. The scheme realizes that the medium-free deposit transaction can be carried out in the transaction mechanism, and the medium-free deposit transaction can also be carried out in other transaction mechanisms, so that the transaction behavior of a client is prevented from being limited, the transaction convenience of the client is improved, the transaction data comprising the verification result is uploaded to the block chain, the traceability of the transaction process can be realized according to the transaction data on the block chain, the counterfeiting of the transaction is prevented or reduced, and the centralized maintenance of the data is facilitated.
Description
Technical Field
The invention relates to the technical field of transactions, in particular to a medium-free deposit transaction method, a medium-free deposit transaction device, computer equipment and a readable storage medium.
Background
Currently, banks do not support cross-institution media-free deposit transactions, but only local institutions. For example, the customer a only has an account of the bank a, and the customer a can only use the cash terminal (such as an ATM) of the bank a to perform the media-free deposit, but cannot use the cash terminal (such as an ATM) of the bank b to perform the media-free deposit, so that the transaction behavior of the customer is limited, and the customer is inconvenient to perform the media-free deposit transaction.
Disclosure of Invention
The embodiment of the invention provides a medium-free deposit transaction method, which aims to solve the technical problem that the medium-free deposit transaction of a cross mechanism is not supported in the prior art. The method comprises the following steps:
receiving a transaction request of media-free deposit sent by a cash terminal, wherein the transaction request comprises transaction related information, and the cash terminal belongs to a transaction mechanism to which a transaction account number belongs in the transaction related information or the cash terminal does not belong to a transaction mechanism to which the transaction account number belongs in the transaction related information;
and auditing the transaction related information, sending an instruction whether to allow deposit transaction to the cash terminal according to an auditing result, and uploading transaction data including the auditing result to a block chain.
The embodiment of the invention also provides a medium-free deposit transaction method, which aims to solve the technical problem that the medium-free deposit transaction of the cross-institution is not supported in the prior art. The method comprises the following steps:
receiving input transaction-related information;
sending a medium-free deposit transaction request to a transaction mechanism to which a transaction account belongs in the transaction related information, wherein the transaction request comprises the transaction related information;
and receiving an auditing result of the transaction related information sent by a transaction mechanism to which the transaction account number belongs in the transaction related information, and receiving an indication of whether to allow deposit transaction, wherein the indication of whether to allow deposit transaction is that the transaction mechanism to which the transaction account number belongs in the transaction related information determines according to the auditing result that the transaction mechanism to which the transaction account number belongs in the transaction related information uploads transaction data including the auditing result to a block chain.
The embodiment of the invention also provides a medium-free deposit transaction device, which is used for solving the technical problem that the medium-free deposit transaction of the cross mechanism is not supported in the prior art. The device includes:
the system comprises a transaction request receiving module, a transaction request processing module and a transaction processing module, wherein the transaction request receiving module is used for receiving a transaction request of medium-free deposit sent by a cash terminal, the transaction request comprises transaction related information, and the cash terminal belongs to a transaction mechanism to which a transaction account number belongs in the transaction related information or does not belong to the transaction mechanism to which the transaction account number belongs in the transaction related information;
and the transaction indicating module is used for auditing the transaction related information, sending an indication whether to allow deposit transaction to the cash terminal according to an auditing result, and uploading transaction data including the auditing result to the block chain.
The embodiment of the invention also provides a medium-free deposit transaction device, which is used for solving the technical problem that the medium-free deposit transaction of the cross mechanism is not supported in the prior art. The device includes:
the transaction information receiving module is used for receiving input transaction related information;
the transaction request sending module is used for sending a medium deposit-free transaction request to a transaction mechanism to which a transaction account belongs in the transaction related information, wherein the transaction request comprises the transaction related information;
and the transaction indication receiving module is used for receiving an auditing result of the transaction related information sent by a transaction mechanism to which the transaction account number belongs in the transaction related information and receiving an indication of whether deposit transaction is allowed, wherein the indication of whether deposit transaction is allowed is determined by the transaction mechanism to which the transaction account number belongs in the transaction related information according to the auditing result, and the transaction mechanism to which the transaction account number belongs in the transaction related information uploads transaction data including the auditing result to the block chain.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the random medium-free deposit transaction method when executing the computer program so as to solve the technical problem that the medium-free deposit transaction of a cross-institution is not supported in the prior art.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing any above-mentioned media-free deposit transaction method is stored in the computer-readable storage medium, so as to solve the technical problem that a cross-institution media-free deposit transaction is not supported in the prior art.
In the embodiment of the invention, a transaction request of a medium-free deposit sent by a cash terminal is received, the cash terminal can belong to the transaction mechanism to which the transaction account belongs in the transaction related information or not, when the transaction request is from the cash terminal of the transaction mechanism to which the transaction account belongs in the transaction related information, namely the transaction account performs medium-free deposit transaction in the transaction mechanism, when the transaction request is from cash terminals of other transaction mechanisms, namely the transaction account performs medium-free deposit transaction in other transaction mechanisms, further the transaction related information is checked, after the check is passed, an indication of whether the deposit transaction is allowed or not is sent to the cash terminal according to the check result, namely the transaction account can perform medium-free deposit transaction in the transaction mechanism through the cash terminal of the transaction mechanism, the medium-free deposit transaction can be carried out in other transaction institutions by crossing the institutions through cash terminals of other transaction institutions so as to avoid limiting the transaction behavior of the client and improve the transaction convenience of the client; meanwhile, the transaction data comprising the verification result is uploaded to the blockchain, so that whether medium-free deposit transaction is carried out in the transaction mechanism or medium-free deposit transaction of other transaction mechanisms, traceability of the transaction process can be realized according to the transaction data on the blockchain, counterfeiting of the transaction is avoided or reduced, and centralized maintenance of the data is facilitated.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the principles of the invention. In the drawings:
FIG. 1 is a flow chart of a media-less savings transaction method provided by an embodiment of the present invention;
FIG. 2 is a flow chart of another media-less savings transaction method provided by an embodiment of the present invention;
FIG. 3 is a block diagram of a computer device according to an embodiment of the present invention;
FIG. 4 is a block diagram of a media-less deposit transaction apparatus according to an embodiment of the present invention;
fig. 5 is a block diagram illustrating another medium deposit-less transaction apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the following embodiments and accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In an embodiment of the present invention, there is provided a media-less deposit transaction method, as shown in fig. 1, the method including:
step 102: receiving a transaction request of media-free deposit sent by a cash terminal, wherein the transaction request comprises transaction related information, and the cash terminal belongs to a transaction mechanism to which a transaction account number belongs in the transaction related information or the cash terminal does not belong to a transaction mechanism to which the transaction account number belongs in the transaction related information;
step 104: and auditing the transaction related information, sending an instruction whether to allow deposit transaction to the cash terminal according to an auditing result, and uploading transaction data including the auditing result to a block chain.
As can be seen from the process shown in fig. 1, in the embodiment of the present invention, a transaction request of a media-free deposit sent by a cash terminal is received, the cash terminal may belong to a local transaction institution to which a transaction account belongs in the transaction related information or may not belong to a local transaction institution to which the transaction account belongs in the transaction related information, when the transaction request is from the cash terminal of the local transaction institution to which the transaction account belongs in the transaction related information, that is, the transaction account performs a media-free deposit transaction at the local transaction institution, when the transaction request is from a cash terminal of another transaction institution, that is, the transaction account performs a cross-institution media-free deposit transaction at another transaction institution, further, the transaction related information is subjected to a media-free deposit transaction, and after the audit is passed, an indication of whether the deposit transaction is allowed is sent to the cash terminal according to the audit result, that the transaction account can perform the media-free deposit transaction in the local transaction institution through the cash terminal, the medium-free deposit transaction can be carried out in other transaction institutions by crossing the institutions through cash terminals of other transaction institutions so as to avoid limiting the transaction behavior of the client and improve the transaction convenience of the client; meanwhile, the transaction data comprising the verification result is uploaded to the blockchain, so that whether medium-free deposit transaction is carried out in the transaction mechanism or medium-free deposit transaction of other transaction mechanisms, traceability of the transaction process can be realized according to the transaction data on the blockchain, counterfeiting of the transaction is avoided or reduced, and centralized maintenance of the data is facilitated.
In a specific implementation, the media-free deposit transaction method may be executed in a background or a server of a transaction institution to which the transaction account belongs in the transaction related information.
In specific implementation, when a client needs to perform media-free deposit, the transaction related information can be input to a cash terminal of any transaction mechanism to perform deposit operation, namely, the deposit operation can be performed on the cash terminal of the transaction mechanism to which a transaction account belongs, so that media-free deposit transaction in the transaction mechanism is realized, and deposit operation can be performed on the cash terminals of other transaction mechanisms to which the transaction account does not belong, so that media-free deposit transaction across transaction mechanisms is realized. For example, a client may input transaction related information into a cash terminal, and then the cash terminal may determine whether a transaction account of the media-free deposit transaction belongs to the transaction institution according to transaction institution information, identity information, account information, or the like in the transaction related information, if so, the client inputs the transaction related information into the cash terminal of the transaction institution, and performs a media-free deposit transaction in the transaction institution, and the cash terminal sends a transaction request to a background or a server of the transaction institution, that is, the transaction request received by the background or the server of the transaction institution comes from the cash terminal of the transaction institution; if not, the client inputs the transaction related information into the cash terminal of other transaction institutions, the cross-institution non-medium deposit transaction is carried out, the cash terminal sends the transaction request to the background or the server of the transaction institution to which the transaction account belongs, namely, the transaction request received by the background or the server of the transaction institution comes from the cash terminal of other transaction institution, in short, no matter whether the cash terminal of the transaction institution or the cash terminal of other transaction institution receives the transaction related information, the transaction request is sent to the background or the server of the transaction institution to which the transaction account belongs, and then the background or the server of the transaction institution checks the transaction related information.
For example, the client a has an account number in the transaction mechanism a, the client a needs a card-free deposit, the client a can select a cross-mechanism deposit nearby or due to other factors, the transaction related information is input into a cash terminal of the transaction mechanism b, the cash terminal of the transaction mechanism b judges that the transaction account number does not belong to the transaction mechanism b but belongs to the transaction mechanism a, a transaction request is sent to a transaction mechanism a background or a server, a verification result (pass or fail) of the transaction related information returned by the transaction mechanism a background or the server is received, an indication whether the deposit transaction is allowed or not returned by the transaction mechanism a background or the server is received, and the indication is executed.
In specific implementation, the transaction related information may include transaction information and identity information, the transaction information may include a transaction account number, a deposit amount, and the like, and may also include selected transaction mechanism information, transaction time, and the like, and the identity information may include information such as a customer name, identity document information (an identity card, a driver's license, or other documents capable of proving identity), and the like.
In specific implementation, after a medium-free deposit transaction request sent by a cash terminal is received, whether a transaction account of the transaction request belongs to the transaction institution or not can be judged, and if not, information such as transaction failure or transaction failure is fed back to the cash terminal; if so, the transaction related information is checked, an indication whether the deposit transaction is allowed is sent to the cash terminal according to the checking result, and meanwhile, the checking result can also be sent to the cash terminal, so that the cash terminal can conveniently display the checking result, the transaction related information and the like to the client, and the client can conveniently review and check the information.
In a specific implementation, the checking of the transaction related information may include checking whether the identity information is correctly filled or is consistent with the pre-stored identity information, and the like, for example, if the transaction account number of the transaction request belongs to the transaction institution and the identity information is correct (or consistent with the pre-stored identity information), the checking is passed.
In specific implementation, the transaction data including the verification result is uploaded to a block chain, and the transaction data can include audit results, transaction related information, customer contact information and other information of each link in the transaction process, so that the transaction process is not faked and traceable, and centralized data maintenance is facilitated. Specifically, for example, on a blockchain, a consensus algorithm may be used to calculate the amount of work based on the amount of transactions or the amount of transactions for each exchange without media deposit.
In specific implementation, in order to further improve the security of the transaction, in this embodiment, biometric identification is further adopted in the deposit transaction process, for example, an instruction of whether to allow the deposit transaction is sent to the cash terminal according to the verification result includes:
under the condition that the auditing result is passed, judging whether to perform biological feature identification according to the size relation between the amount of deposit transaction in the transaction related information and a preset threshold value, and uploading the judgment result to a block chain;
when the judgment result is that the biological feature recognition is carried out, sending an instruction for carrying out the biological feature recognition to the cash terminal;
receiving the biometric feature of the customer identified and transmitted by the cash terminal, and transmitting an indication that the deposit transaction is allowed to the cash terminal when the received biometric feature matches the pre-stored biometric feature.
In specific implementation, if the verification result is failure and/or the received biological characteristics are not matched with the pre-stored biological characteristics, an indication that the deposit transaction is not allowed is sent to the cash terminal.
In specific implementation, after receiving the indication of allowing the deposit transaction, the cash terminal can execute the deposit transaction, receive the cash put in by the client, determine the amount and currency of the put-in cash to store, and after the deposit is successful, return the transaction with successful deposit to the transaction mechanism to which the transaction account belongs, so that the transaction mechanism to which the transaction account belongs uploads the message of successful transaction to the block chain.
In specific implementation, when the amount of the deposit transaction in the transaction related information is greater than a preset threshold, the biological feature recognition is performed according to the judgment result, and when the amount of the deposit transaction in the transaction related information is less than the preset threshold, the biological feature recognition is not performed according to the judgment result.
In specific implementation, the value of the preset threshold may be determined according to a specific security requirement, and the method for determining the value of the preset threshold is not specifically limited in the present application, for example, the value may be determined according to historical data, data in which the amount of deposit transaction in the historical data is greater than the preset threshold is determined as risk data, and the value of the preset threshold is such that the proportion of the risk data in the historical data is less than 1%, that is, the preset threshold may be used for subsequent deposit processing.
In specific implementation, the biological features may be features of a human face, a fingerprint, an iris, and the like.
In specific implementation, in addition to determining whether to allow a transaction based on biometric identification to improve transaction security, or further facilitating the customer to know the deposit process based on the use of biometric identification, in this embodiment, the media-free deposit transaction method further includes:
judging whether biological feature recognition is carried out or not according to the relationship between the amount of deposit transaction in the transaction related information and a preset threshold value, and uploading a judgment result to a block chain;
and when the judgment result is that the biological characteristic identification is carried out, sending an instruction for carrying out the biological characteristic identification and storing to the cash terminal.
In specific implementation, whether biological feature recognition is needed or not is judged according to the size relation between the amount of deposit transaction in the transaction related information and a preset threshold, for example, when the amount of deposit transaction in the transaction related information is larger than the preset threshold, the judgment result is that biological feature recognition is carried out and stored, when the amount of deposit transaction in the transaction related information is smaller than the preset threshold, the judgment result is that biological feature recognition is not carried out and stored, and when the amount of deposit transaction is larger than the preset threshold, an instruction for carrying out biological feature recognition and storage is sent to the cash terminal, so that the cash terminal recognizes and stores the biological features of a deposit client, for example, the account number of a certain client is stored in a fund, the certain client can know or track an actual deposit person through the stored biological features, and the transaction mechanism can also prompt when, the time, the account number of the client belongs to according to the biological features of the, Which customer made a deposit of what amount to his account.
In specific implementation, the instruction for performing biometric identification and storage can be sent to the cash terminal before the audit result is sent, so that the cash terminal performs biometric identification and storage before executing the transaction; the result of the audit can also be sent to the cash terminal at the same time, so that the cash terminal can perform the biological feature recognition and store the biological feature in the process of executing the transaction.
In specific implementation, in order to further improve the security of the transaction and alert about illegal or fraudulent deposit behaviors, in this embodiment, the method for transaction without medium deposit further includes:
for each transaction account, judging whether the frequency of the medium-free deposit transaction of the transaction account in a preset time period is greater than a preset frequency, if so, outputting early warning information; or judging whether the transaction amount of the medium-free deposit transaction of the transaction account in a preset time period is larger than a preset amount, and if so, outputting early warning information.
Specifically, for a transaction account number in which whether the frequency of the medium-free deposit transaction is greater than the preset frequency or whether the transaction amount of the deposit transaction is greater than the preset amount within the preset time period, early warning information can be output to remind a transaction institution staff of whether illegal, fraudulent and other deposit behaviors exist like the account number.
In specific implementation, in order to further improve the convenience of the transaction, in this embodiment, a deposit transaction of currency conversion may be further provided, for example, a currency conversion request sent by the cash terminal is received, where the currency conversion request includes information of a first currency to be deposited and information of a second currency to be requested to be converted;
and converting the first currency into a second currency according to a currency conversion rule, and indicating the cash terminal to store the converted second currency with the corresponding amount.
In specific implementation, after receiving information such as currency conversion information input by a client, deposited first currency information (e.g., foreign currency), second currency information (e.g., RMB) requesting conversion and the like, the cash terminal sends a currency conversion request to a transaction institution to which a transaction account belongs, the transaction institution to which the transaction account belongs performs currency conversion according to conversion rules such as exchange rate and the like, and feeds back information such as a corresponding amount of the converted second currency to the cash terminal so that the cash terminal performs deposit processing. Specifically, the transaction institution to which the transaction account belongs may obtain the corresponding credit of the converted second currency by using an intelligent contract of the block chain, and upload the relevant information of the currency, the conversion rate, the conversion credit and the like as the transaction data to the block chain.
In a specific implementation, after the cash terminal executes the deposit transaction, if the cash terminal executing the deposit transaction belongs to the transaction institution, the medium-free deposit transaction is performed in the transaction institution, and if the cash terminal executing the deposit transaction does not belong to the transaction institution and belongs to other transaction institutions, the medium-free deposit transaction is performed across the transaction institutions, and at this time, after the cash terminal executes the deposit transaction, the medium-free deposit transaction method further includes:
and under the condition that the cash terminal does not belong to the transaction mechanism to which the transaction account number belongs in the transaction related information, after receiving the transaction success information fed back by the cash terminal, performing reconciliation processing with the transaction mechanism to which the cash terminal belongs according to the uploaded transaction data of the block chain.
In specific implementation, for a medium-free deposit transaction across transaction institutions, after the transaction is successful, account checking processing of accounting is required between the transaction institution a and other transaction institutions b to which the transaction account number belongs in the transaction related information (because the customer originally deposits cash into the transaction institution a, but actually deposits cash into other transaction institutions b). Specifically, when the accounting inconsistency occurs between the transaction institution a and the other transaction institution b, the determination may be made by using the transaction data stored in the blockchain. To avoid the following problems that often occur in practice: for example, the customer actually deposits money into the account of the transaction institution a into the cash terminal of the transaction institution b, but the transaction institution a does not receive a transaction message that the deposit is successful due to the network and the like.
In an implementation, the cash terminal may be any terminal for depositing, for example, an ATM machine.
In a specific implementation, the transaction mechanism may be any transaction mechanism that provides deposit service, for example, a bank, or other financial mechanism.
In specific implementation, in this embodiment, there is further provided a media-less deposit transaction method, which may be executed on a cash terminal, for example, as shown in fig. 2, the media-less deposit transaction method includes:
step 202: receiving input transaction-related information;
step 204: sending a medium-free deposit transaction request to a transaction mechanism to which a transaction account belongs in the transaction related information, wherein the transaction request comprises the transaction related information;
step 206: and receiving an auditing result of the transaction related information sent by a transaction mechanism to which the transaction account number belongs in the transaction related information, and receiving an indication of whether to allow deposit transaction, wherein the indication of whether to allow deposit transaction is that the transaction mechanism to which the transaction account number belongs in the transaction related information determines according to the auditing result that the transaction mechanism to which the transaction account number belongs in the transaction related information uploads transaction data including the auditing result to a block chain.
In specific implementation, in order to further improve the security of the transaction, in this embodiment, the media-free deposit transaction method further includes:
receiving an instruction for performing biological feature recognition, which is sent by a transaction mechanism to which a transaction account number belongs in the transaction related information, wherein the transaction mechanism to which the transaction account number belongs in the transaction related information judges whether biological feature recognition is performed or not according to the relationship between the amount of deposit transaction in the transaction related information and a preset threshold value, uploading the judgment result to a block chain, and the instruction for performing biological feature recognition is sent when the amount of deposit transaction of the transaction mechanism to which the transaction account number belongs in the transaction related information is greater than the preset threshold value;
and identifying the biological characteristics of the client, sending the identified biological characteristics to a transaction mechanism to which the transaction account number belongs in the transaction related information, receiving an indication of allowing deposit transaction and performing the deposit transaction, wherein the indication of allowing deposit transaction is sent when the audit result is passed and the identified biological characteristics are matched with the pre-stored biological characteristics of the transaction mechanism to which the transaction account number belongs in the transaction related information.
In a specific implementation, in order to further facilitate the customer to know the deposit process, in this embodiment, the method for a media-free deposit transaction further includes:
receiving an instruction for performing biological feature recognition, which is sent by a transaction mechanism to which a transaction account number belongs in the transaction related information, wherein the transaction mechanism to which the transaction account number belongs in the transaction related information judges whether biological feature recognition is performed or not according to the relationship between the amount of deposit transaction in the transaction related information and a preset threshold value, uploading the judgment result to a block chain, and the instruction for performing biological feature recognition is sent when the amount of deposit transaction of the transaction mechanism to which the transaction account number belongs in the transaction related information is greater than the preset threshold value;
the biometric of the customer is identified and the identified biometric is stored.
In this embodiment, a computer device is provided, as shown in fig. 3, comprising a memory 302, a processor 304, and a computer program stored on the memory and executable on the processor, the processor implementing any of the above-described methods of a media-less deposit transaction when executing the computer program.
In particular, the computer device may be a computer terminal, a server or a similar computing device.
In the present embodiment, there is provided a computer-readable storage medium storing a computer program for executing any of the above-described media-less deposit transaction methods.
In particular, computer-readable storage media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable storage medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
Based on the same inventive concept, the embodiment of the invention also provides a medium-free deposit transaction device, as described in the following embodiments. Because the principle of the no-media deposit transaction device for solving the problems is similar to the no-media deposit transaction method, the implementation of the no-media deposit transaction device can refer to the implementation of the no-media deposit transaction method, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 4 is a block diagram showing a configuration of a media-less deposit transaction apparatus according to an embodiment of the present invention, as shown in fig. 4, the apparatus including:
a transaction request receiving module 402, configured to receive a transaction request for media-free deposit sent by a cash terminal, where the transaction request includes transaction-related information, and the cash terminal belongs to a transaction mechanism to which a transaction account belongs in the transaction-related information or the cash terminal does not belong to a transaction mechanism to which a transaction account belongs in the transaction-related information;
a transaction instruction module 404, configured to audit the transaction related information, send an instruction whether to allow a deposit transaction to the cash terminal according to an audit result, and upload transaction data including the audit result to a block chain.
In one embodiment, a transaction indication module includes:
the first judgment unit judges whether biological feature recognition is carried out or not according to the magnitude relation between the amount of deposit transaction in the transaction related information and a preset threshold value under the condition that the auditing result is passed, and uploads the judgment result to a block chain;
the identification instruction unit is used for sending an instruction for carrying out biological feature identification to the cash terminal when the judgment result is that the biological feature identification is carried out;
and the transaction indication unit is used for receiving the biological characteristics of the client which are identified and sent by the cash terminal, and sending an indication for allowing the deposit transaction to the cash terminal when the received biological characteristics are matched with the pre-stored biological characteristics.
In one embodiment, further comprising:
the judging module is used for judging whether biological characteristic identification is carried out or not according to the size relation between the amount of deposit transaction in the transaction related information and a preset threshold value, and uploading a judgment result to a block chain;
and the identification instruction module is used for sending an instruction for carrying out biological feature identification and storage to the cash terminal when the judgment result is that the biological feature identification is carried out.
In one embodiment, further comprising:
and the financial processing module is used for performing account checking processing with the transaction mechanism to which the cash terminal belongs according to the transaction data uploaded by the block chain after receiving the transaction success information fed back by the cash terminal under the condition that the cash terminal does not belong to the transaction mechanism to which the transaction account belongs in the transaction related information.
In one embodiment, further comprising:
the early warning module is used for judging whether the frequency of medium-free deposit transaction of each transaction account within a preset time period is greater than a preset frequency or not, and if yes, outputting early warning information; or judging whether the transaction amount of the medium-free deposit transaction of the transaction account in a preset time period is larger than a preset amount, and if so, outputting early warning information.
In one embodiment, further comprising:
the currency conversion request receiving module is used for receiving a currency conversion request sent by the cash terminal, and the currency conversion request comprises information of a first currency stored and information of a second currency requesting conversion;
and the currency conversion module is used for converting the first currency into a second currency according to the currency conversion rule and indicating the cash terminal to store the converted second currency with the corresponding amount.
Fig. 5 is a block diagram showing a configuration of a media-less deposit transaction apparatus according to an embodiment of the present invention, as shown in fig. 5, the apparatus including:
a transaction information receiving module 502, configured to receive input transaction related information;
a transaction request sending module 504, configured to send a transaction request without a medium deposit to a transaction institution to which a transaction account belongs in the transaction related information, where the transaction request includes the transaction related information;
a transaction instruction receiving module 506, configured to receive an audit result of the transaction related information sent by a transaction mechanism to which the transaction account belongs in the transaction related information, and receive an instruction whether to allow a deposit transaction, where the instruction whether to allow the deposit transaction is determined according to the audit result by the transaction mechanism to which the transaction account belongs in the transaction related information, and the transaction mechanism to which the transaction account belongs in the transaction related information uploads transaction data including the audit result to a block chain.
In one embodiment, further comprising:
the first identification indication receiving module is used for receiving an indication for carrying out biological feature identification, which is sent by a transaction mechanism to which a transaction account number belongs in the transaction related information, wherein the transaction mechanism to which the transaction account number belongs in the transaction related information judges whether biological feature identification is carried out according to the size relation between the amount of deposit transaction in the transaction related information and a preset threshold value, the judgment result is uploaded to a block chain, and the indication for carrying out biological feature identification is sent when the amount of deposit transaction is larger than the preset threshold value by the transaction mechanism to which the transaction account number belongs in the transaction related information;
the first identification module is used for identifying the biological characteristics of the customer and sending the identified biological characteristics to a transaction mechanism to which the transaction account belongs in the transaction related information;
and the transaction module is used for receiving an instruction of allowing the deposit transaction and performing the deposit transaction, wherein the instruction of allowing the deposit transaction is sent when the verification result is passed and the identified biological characteristics are matched with the prestored biological characteristics by the transaction mechanism to which the transaction account number belongs in the transaction related information.
In one embodiment, further comprising:
the second identification indication receiving module is used for receiving an indication for carrying out biological feature identification, which is sent by a transaction mechanism to which a transaction account number belongs in the transaction related information, wherein the transaction mechanism to which the transaction account number belongs in the transaction related information judges whether biological feature identification is carried out according to the size relation between the amount of deposit transaction in the transaction related information and a preset threshold value, the judgment result is uploaded to a block chain, and the indication for carrying out biological feature identification is sent when the amount of deposit transaction of the transaction mechanism to which the transaction account number belongs in the transaction related information is larger than the preset threshold value;
and the second identification module is used for identifying the biological characteristics of the client and storing the identified biological characteristics.
The embodiment of the invention realizes the following technical effects: receiving a transaction request of a medium-free deposit sent by a cash terminal, wherein the cash terminal can belong to a transaction mechanism to which a transaction account belongs in transaction related information or not, the transaction terminal can belong to the transaction mechanism to which the transaction account belongs in the transaction related information, when the transaction request is from the cash terminal of the transaction mechanism to which the transaction account belongs in the transaction related information, namely the transaction account carries out medium-free deposit transaction in the transaction mechanism, when the transaction request is from cash terminals of other transaction mechanisms, namely the transaction account carries out medium-free deposit transaction in other transaction mechanisms, further, the transaction related information is checked, and after the check is passed, an indication whether the deposit transaction is allowed or not is sent to the cash terminal according to a check result, namely, the transaction account can carry out medium-free deposit transaction in the transaction mechanism through the cash terminal of the transaction mechanism, the medium-free deposit transaction can be carried out in other transaction institutions by crossing the institutions through cash terminals of other transaction institutions so as to avoid limiting the transaction behavior of the client and improve the transaction convenience of the client; meanwhile, the transaction data comprising the verification result is uploaded to the blockchain, so that whether medium-free deposit transaction is carried out in the transaction mechanism or medium-free deposit transaction of other transaction mechanisms, traceability of the transaction process can be realized according to the transaction data on the blockchain, counterfeiting of the transaction is avoided or reduced, and centralized maintenance of the data is facilitated.
It will be apparent to those skilled in the art that the modules or steps of the embodiments of the invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and alternatively, they may be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different than that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, embodiments of the invention are not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (20)
1. A media-less deposit transaction method, comprising:
receiving a transaction request of media-free deposit sent by a cash terminal, wherein the transaction request comprises transaction related information, and the cash terminal belongs to a transaction mechanism to which a transaction account number belongs in the transaction related information or the cash terminal does not belong to a transaction mechanism to which the transaction account number belongs in the transaction related information;
and auditing the transaction related information, sending an instruction whether to allow deposit transaction to the cash terminal according to an auditing result, and uploading transaction data including the auditing result to a block chain.
2. The media-less deposit transaction method of claim 1, wherein transmitting an indication of whether a deposit transaction is permitted to the cash terminal based on the result of the audit comprises:
under the condition that the auditing result is passed, judging whether to perform biological feature identification according to the size relation between the amount of deposit transaction in the transaction related information and a preset threshold value, and uploading the judgment result to a block chain;
when the judgment result is that the biological feature recognition is carried out, sending an instruction for carrying out the biological feature recognition to the cash terminal;
receiving the biometric feature of the customer identified and transmitted by the cash terminal, and transmitting an indication that the deposit transaction is allowed to the cash terminal when the received biometric feature matches the pre-stored biometric feature.
3. The media-less deposit transaction method of claim 1, further comprising:
judging whether biological feature recognition is carried out or not according to the relationship between the amount of deposit transaction in the transaction related information and a preset threshold value, and uploading a judgment result to a block chain;
and when the judgment result is that the biological characteristic identification is carried out, sending an instruction for carrying out the biological characteristic identification and storing to the cash terminal.
4. The media-less deposit transaction method of claim 1, further comprising:
and under the condition that the cash terminal does not belong to the transaction mechanism to which the transaction account belongs in the transaction related information, after receiving the transaction success information fed back by the cash terminal, performing reconciliation processing with the transaction mechanism to which the cash terminal belongs according to the transaction data uploaded by the block chain.
5. The media-less deposit transaction method according to any one of claims 1 to 4, further comprising:
for each transaction account, judging whether the frequency of the medium-free deposit transaction of the transaction account in a preset time period is greater than a preset frequency, if so, outputting early warning information; or judging whether the transaction amount of the medium-free deposit transaction of the transaction account in a preset time period is larger than a preset amount, and if so, outputting early warning information.
6. The media-less deposit transaction method according to any one of claims 1 to 4, further comprising:
receiving a currency conversion request sent by the cash terminal, wherein the currency conversion request comprises information of a first currency and information of a second currency, and the information of the first currency is stored in the currency conversion request;
and converting the first currency into a second currency according to a currency conversion rule, and indicating the cash terminal to store the converted second currency with the corresponding amount.
7. A media-less deposit transaction method, comprising:
receiving input transaction-related information;
sending a medium-free deposit transaction request to a transaction mechanism to which a transaction account belongs in the transaction related information, wherein the transaction request comprises the transaction related information;
and receiving an auditing result of the transaction related information sent by a transaction mechanism to which the transaction account number belongs in the transaction related information, and receiving an indication of whether to allow deposit transaction, wherein the indication of whether to allow deposit transaction is determined by the transaction mechanism to which the transaction account number belongs in the transaction related information according to the auditing result, and the transaction mechanism to which the transaction account number belongs in the transaction related information uploads transaction data including the auditing result to a block chain.
8. The media-less deposit transaction method of claim 7, further comprising:
receiving an instruction for performing biological feature recognition, which is sent by a transaction mechanism to which a transaction account number belongs in the transaction related information, wherein the transaction mechanism to which the transaction account number belongs in the transaction related information judges whether biological feature recognition is performed or not according to the relationship between the amount of deposit transaction in the transaction related information and a preset threshold value, uploading the judgment result to a block chain, and the instruction for performing biological feature recognition is sent when the amount of deposit transaction of the transaction mechanism to which the transaction account number belongs in the transaction related information is greater than the preset threshold value;
and identifying the biological characteristics of the client, sending the identified biological characteristics to a transaction mechanism to which the transaction account number belongs in the transaction related information, receiving an indication of allowing deposit transaction and performing the deposit transaction, wherein the indication of allowing deposit transaction is sent when the audit result is passed and the identified biological characteristics are matched with the pre-stored biological characteristics of the transaction mechanism to which the transaction account number belongs in the transaction related information.
9. The media-less deposit transaction method of claim 7, further comprising:
receiving an instruction for performing biological feature recognition, which is sent by a transaction mechanism to which a transaction account number belongs in the transaction related information, wherein the transaction mechanism to which the transaction account number belongs in the transaction related information judges whether biological feature recognition is performed or not according to the relationship between the amount of deposit transaction in the transaction related information and a preset threshold value, uploading the judgment result to a block chain, and the instruction for performing biological feature recognition is sent when the amount of deposit transaction of the transaction mechanism to which the transaction account number belongs in the transaction related information is greater than the preset threshold value;
the biometric of the customer is identified and the identified biometric is stored.
10. A media-less deposit transaction apparatus, comprising:
the system comprises a transaction request receiving module, a transaction request processing module and a transaction processing module, wherein the transaction request receiving module is used for receiving a transaction request of medium-free deposit sent by a cash terminal, the transaction request comprises transaction related information, and the cash terminal belongs to a transaction mechanism to which a transaction account number belongs in the transaction related information or does not belong to the transaction mechanism to which the transaction account number belongs in the transaction related information;
and the transaction indicating module is used for auditing the transaction related information, sending an indication whether to allow deposit transaction to the cash terminal according to an auditing result, and uploading transaction data including the auditing result to the block chain.
11. The media-free deposit transaction apparatus of claim 10, wherein the transaction indication module comprises:
the first judgment unit judges whether biological feature recognition is carried out or not according to the magnitude relation between the amount of deposit transaction in the transaction related information and a preset threshold value under the condition that the auditing result is passed, and uploads the judgment result to a block chain;
the identification instruction unit is used for sending an instruction for carrying out biological feature identification to the cash terminal when the judgment result is that the biological feature identification is carried out;
and the transaction indication unit is used for receiving the biological characteristics of the client which are identified and sent by the cash terminal, and sending an indication for allowing the deposit transaction to the cash terminal when the received biological characteristics are matched with the pre-stored biological characteristics.
12. The media-less deposit transaction apparatus of claim 10, further comprising:
the judging module is used for judging whether biological characteristic identification is carried out or not according to the size relation between the amount of deposit transaction in the transaction related information and a preset threshold value, and uploading a judgment result to a block chain;
and the identification instruction module is used for sending an instruction for carrying out biological feature identification and storage to the cash terminal when the judgment result is that the biological feature identification is carried out.
13. The media-less deposit transaction apparatus of claim 10, further comprising:
and the financial processing module is used for performing account checking processing with the transaction mechanism to which the cash terminal belongs according to the transaction data uploaded by the block chain after receiving the transaction success information fed back by the cash terminal under the condition that the cash terminal does not belong to the transaction mechanism to which the transaction account belongs in the transaction related information.
14. The media-less deposit transaction apparatus of any one of claims 10 to 13, further comprising:
the early warning module is used for judging whether the frequency of medium-free deposit transaction of each transaction account within a preset time period is greater than a preset frequency or not, and if yes, outputting early warning information; or judging whether the transaction amount of the medium-free deposit transaction of the transaction account in a preset time period is larger than a preset amount, and if so, outputting early warning information.
15. The media-less deposit transaction apparatus of any one of claims 10 to 13, further comprising:
the currency conversion request receiving module is used for receiving a currency conversion request sent by the cash terminal, and the currency conversion request comprises information of a first currency stored and information of a second currency requesting conversion;
and the currency conversion module is used for converting the first currency into a second currency according to the currency conversion rule and indicating the cash terminal to store the converted second currency with the corresponding amount.
16. A media-less deposit transaction apparatus, comprising:
the transaction information receiving module is used for receiving input transaction related information;
the transaction request sending module is used for sending a medium deposit-free transaction request to a transaction mechanism to which a transaction account belongs in the transaction related information, wherein the transaction request comprises the transaction related information;
and the transaction indication receiving module is used for receiving an auditing result of the transaction related information sent by a transaction mechanism to which the transaction account number belongs in the transaction related information and receiving an indication of whether deposit transaction is allowed, wherein the indication of whether deposit transaction is allowed is determined by the transaction mechanism to which the transaction account number belongs in the transaction related information according to the auditing result, and the transaction mechanism to which the transaction account number belongs in the transaction related information uploads transaction data including the auditing result to the block chain.
17. The media-less deposit transaction apparatus of claim 16, further comprising:
the first identification indication receiving module is used for receiving an indication for carrying out biological feature identification, which is sent by a transaction mechanism to which a transaction account number belongs in the transaction related information, wherein the transaction mechanism to which the transaction account number belongs in the transaction related information judges whether biological feature identification is carried out according to the size relation between the amount of deposit transaction in the transaction related information and a preset threshold value, the judgment result is uploaded to a block chain, and the indication for carrying out biological feature identification is sent when the amount of deposit transaction is larger than the preset threshold value by the transaction mechanism to which the transaction account number belongs in the transaction related information;
the first identification module is used for identifying the biological characteristics of the customer and sending the identified biological characteristics to a transaction mechanism to which the transaction account belongs in the transaction related information;
and the transaction module is used for receiving an instruction of allowing the deposit transaction and performing the deposit transaction, wherein the instruction of allowing the deposit transaction is sent when the verification result is passed and the identified biological characteristics are matched with the prestored biological characteristics by the transaction mechanism to which the transaction account number belongs in the transaction related information.
18. The media-less deposit transaction apparatus of claim 16, further comprising:
the second identification indication receiving module is used for receiving an indication for carrying out biological feature identification, which is sent by a transaction mechanism to which a transaction account number belongs in the transaction related information, wherein the transaction mechanism to which the transaction account number belongs in the transaction related information judges whether biological feature identification is carried out according to the size relation between the amount of deposit transaction in the transaction related information and a preset threshold value, the judgment result is uploaded to a block chain, and the indication for carrying out biological feature identification is sent when the amount of deposit transaction of the transaction mechanism to which the transaction account number belongs in the transaction related information is larger than the preset threshold value;
and the second identification module is used for identifying the biological characteristics of the client and storing the identified biological characteristics.
19. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the media free deposit transaction method of any one of claims 1 to 6 or any one of claims 7 to 9.
20. A computer-readable storage medium characterized in that the computer-readable storage medium stores a computer program for executing the media-less deposit transaction method of any one of claims 1 to 6 or 7 to 9.
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